![]() Since then, neither Jeremy nor I have ever carried a balance on a credit card, and we saved religiously to buy our last car with cash. We eventually paid it off, and we sold the car for a more-reliable model. We finally resolved to put every extra dime toward the credit card to be rid of it once and for all. We'd make the minimum payments but never seemed to make much headway. I soon learned how debt can steal your money. (There's nothing more frustrating than paying to fix something you don't actually own.) Plus, he had an auto loan on a car that, incidentally, kept breaking down. My husband had a credit card he had used to pay for textbooks. I had never been in debt until I got married. Having a clear sense of our priorities and being able to label our needs and our wants is helping us make life's tough financial decisions. Years later, we're still facing difficult choices, only with greater financial consequences. ( You try getting along with someone when you're overheated and irritable!) Do we take a match to the sofa, save our pride and use the money to spruce up our pitiful apartment? Or do we buy a window air conditioner and save our sanity on those 100-degree days? We opted for the air conditioner, and I believe that decision saved our marriage. One year into our marriage, we got a tax refund of $300. Some financial decisions are easy: Pay your rent instead of blowing the money on a big-screen TV, for example.
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